Paano Ka Ba Mag-Invest?


paano ka ba mag invest
Here are two flowcharts of a person in the stock market: One with a plan and one without.

Doon sa with plan, the flow is PLAN –> BUY, then it splits as to whether the stock goes up or down. In either case, you sell upon hitting target. Then, you look for a new stock and the cycle repeats.

Sa without plan:

You BUY, then ask FB kung ok ba binili mo. It goes up, you HOLD and say “tataas pa yan”, if it starts to go down, you say “Sayang. Dapat binenta ko na.” When you lose money you say: “Ok lang, LONG TERM naman ako.

Alin ka sa dalawa?

investment plan infographics

Aya Laraya

public seminarofw


Comments

      • travis says

        Sir Aya pano po kapag may plan tpos nasa buy below ung isang prospect na stock pero hinihntay pa nya bumaba kasi mas makakadami ng # of shares so parang hold din po un db?pero with regret kapag biglaan taas ng share price. Good practice po ba ung nag hohold ng pera para abangang kung baba ung price ng stocks?

      • Jay-ar says

        Aya, di ba tama yung wala akong target price sa ngayon kasi ang plano ko after 5 to 10 years ko ibebenta yung stocks na binili ko thru peso cost averaging?

        • says

          And kung lugi pa din after 5 to 10 years? That is still possible. :) PCA is still NO GUARANTEE that you will make money in the future. Your chances are better but not 100%

      • Almubarak A. Mijan says

        HELLO Sir Aya, i would like to ask regarding ETF or Exchange trade fund online. Gusto ko po e’try, can you give any advise? Thank you!

  1. Gino says

    Actually sir, i also fall in the “No Plan” category. I buy dividend stocks but i don’t ask fb if its a good buy or not. I actually hope the price go down so i can buy more next time (week or month). If the price go up, i hold. If the price go down, i buy and remind myself i am in it for the long term. But it is working for me. :)

  2. Rj says

    Parang no plan category din po ako sir pero di ko pa kasi naabot yung desired amount ko na iinvest, mejo dahan dahan lg po so i decided i hold muna ung stocks until i reached my desired investment amount and let time do its work until 4-5 yrs. Okay p ba to n strategy?

  3. Ernesto says

    Mr aya pwede po bang mag-invest while I’m here in Dubai …I always dreaming to have invest in this kind of business …pls help me

  4. docust says

    Actually sir ganyan ang naging line of thought ko dati, in particular sa MWC. I bought it at P 37.00 per share pero bumagsak ng bumagsak ang presyo hanggang sinabi ko sa sarili ko na, anyway, pang long term naman yan. It will be one year on June that i am holding on (26.77% loss at the present price of P26.50) to that stock and still patiently waiting for that stock to break even. What would be the best strategy that I can employ to catalyse the reaction aside from cost averaging? Kung talagang cost averaging lang ang tanging strategy, hindi ba too late na?

    • says

      Kung PCA ka talaga, then continue buying. At these prices, mas maraming shares mabibili ng pera mo. Again, that is IF cost averaging ka talaga.

      • says

        waahuhuhu parang ako yan disgusted pero im learning thru interactions and reading. Thanks to you that I learn. actually I do not really understand your terms, and I appreciate much that you have this in TAGALOG.

  5. Kal-El says

    Pano po sir kung monthly bili ako ng bili, bumaba man o tumaas ang presyo ng stocks, pero HINDI ko po binebenta.. Ok lang po ba yun? Long term po goal ko. Any tips po? Thanks sir.. :)

      • leonora says

        Sir Aya, ganyan din po ako, bili lang ng bili, since aug.2011, di ko pa na try magbenta kahit minsan…kasi nga po long term goal ko…at palaging ALI (100) and recently BDO (10) Balak ko ibenta sa year 2016?

      • Kal-El says

        Sinusunod ko po ang peso cost averaging.. Parang wala po akong balak ibenta.. Ok lang po ba ung ginagawa ko? Thanks Sir Aya.. :)

  6. grinks_blot says

    sir aya gusto ko po malaman ang lahat regarding stocks lalo na kung anong company ang offers dividend stocks. help pls.
    planning to start stocks this yr. reading a lot info from u.
    at anong better sockbroker. bpitrade or citiseconline.
    tnx

  7. says

    Hi Sir Aya im enrolled sa EIP every month twice ako bumibili kada sahod ang concern ko is ung volatile/votality, not sure if tama ung ginagawa ko bili lang ng bili twice every month – having said this what would be the impact of this, i think my question is wise ba ung ginagawa ko?. tapos po looking on the chart wala ako sa nabangit im religiously buying share from the company i choose which is BPI should i continue my routine and then wait for time for my desired price before selling it? then purchase a different share from different company parang tsupitero

    • says

      The frequency of EIP depends on your cash flow. Whatever you can comfortably sustain is ok.

      If you have a plan and know when you want to sell, then you are on the chart. :)

  8. jay says

    Sir pag nag open b ako ng account s COL at ang balak ko ay EIP then sometime trading n din. Kailangan ko b mag open ng dalawang account? Isang 5k at 25k? Balak ko umattend ng seminar sa June pag uwi ko ng pinas. TIA.

  9. jtr says

    sir aya, just opened an account on col 2 weeks ago; bought twice with same stock. haven’t attended any seminar yet. ilan % increase po ba ideal target to sell it.

  10. Fernan De Vera says

    sir aya. 19 years old pa lang ako, pero balak ko na pasukin yung stock investing, thru COL :) ( napanood ko lahat ng episodes niyo sa pesos and sense, and mukang mas na inspire pa ako). problem ko lang is yung pag oopen ng account, yung mga GSIS, SSS lalo na yung TIN, pano po yun? ok lang po ba na “0” yung ilagay ko sa field dun sa online account registration? thank you :)

    • Mich Ramos says

      Good Day Mr. Fernan! have you got an answer about that issue? yan din kasi ang issue ko and wala parin ako mahanap na answer sa mga comments na nabasa ko plus na OFW ako and i already send some emails but haven’t got any feedback yet. What i know is all the requirements should send it to their mailing address pero gusto ko if im gonna send it complete lahat ng papers para walang delay. Hope to get an feedback about this. I really want to start it ASAP.(:

      • Fernan De Vera says

        Good day din po Mr/Ms.Mich , wala pa din akong answer sa question ko eh, pero since nakasulat naman sa website na you can put “0” naman kung not applicable , so mag lalagay nga ako ng “0” dun sa fields nung GSIS/SSS.. :)

      • belle says

        I opened my COL account 3 months ago, and you don’t need the GSIS and SSS filled out. “0″ lang lagay mo, keri na yun. However, TIN is required for registration– I think for tax purposes if ever magsesell kna ng shares. Punta ka lang sa BIR kung wla ka pang TIN.

    • belle says

      I opened my COL account 3 months ago, and you don’t need the GSIS and SSS filled out. “0” lang lagay mo, keri na yun. However, TIN is required for registration– I think for tax purposes if ever magsesell kna ng shares. Punta ka lang sa BIR kung wla ka pang TIN.

  11. Alvine says

    SIr Aya, Ive been in stocks for 2 months and I am holding 3 stocks my strategy is PCA and I am planing to hold it for 5 years. I also have a target prize ksi po nakikita ko f just in case bumababa ng bumaba I can beat it, then Buy ulit for that lower prize. What can you say po?Thanks.. God Bless.

  12. Alvine says

    One more question Sir, Pwd ba khit ndi sa date na yun bimili peru monthly p din sya. Pagnakikita ko po ksi na red nabili na ko diko na iniintay yung exact date pwd po ba yun?

  13. ERBorja says

    Before planning to buy stocks, I make in-depth study first (using both fundamental and technical analysis) and set my target price. So if ever the price goes down, which is normal in the stock market, I’m still confident to buy because I can accumulate more shares with lesser amount of cash. And because I know that the company will give me excellent returns in the future base on my study. ;)

  14. Rey says

    Hi Sir Aya,

    Kapag sinabi po ba ng COL na HOLD ang isang stocks should I still buy? And if the rating is SELL for a stock should I buy pa rin po ba?

  15. Hardy says

    Lesson I learned when PCOR hit the near prime target last two weeks nearly 13php but regret I went to HOLD then seeing it went to 12.8000 , I sell 100 to that price and said” Ill retain the remaining 100″ hahahhaha

  16. Darren says

    Hi Sir Aya,
    Ask ko lang po kng may parang equation po ba para malaman kng ano ang advisable na target price ng isang stock?like for example, kng ang BPI is less than 90php nung nabili ko xa, then ngaun tumaas na xa by 95+, when will I know na yun na ung target price po? Thanks in advance.

    • says

      Dapat, may target price ka bago ka bumili. Yung target price can be gotten either through Tech Analysis or Fundamental Analysis. Pili ka which theory gusto mo. :)

      • rhea says

        Hi aya, pano kung sobrang layo ng target price and the objective is to accumulate volume overtime. Wala naman akong time para sundan ang SAM. There were investors i think na sobrang tagal ng time horizon at target price and im sure has a wild imagination like me predicting the stock they hold to do massive aquisitions, expansions, waiting for the big moves. Like URC, DMC, EEI etc na sobrang laki ng itinaas over time, yan din hinihintay naming investors while getting volume. Is this a foolish attitude in investing?

  17. ulrax says

    Mga investors at traders, simple lang ang stock market. Just follow the buy below and fair price of COL fundamental analysis. Then, if you hit the fair price, then you sell na.Simple lang. But the most simplest thing is you join Truly Rich Club ni Bo Sanchez. Sure na ang paging milyonaryo natin.

    • rhea says

      Even wih a 500 pesos charge monthly? Thats like a 500 pesos charge on your trading every month…just attend funda or tech analysis seminar and do our own homework, instead of blindly following recommendations for a fee.

      • Alvin says

        Totally agree with Rhea! It’s just a business…the investment guide provided by COL is just fine and add some research

  18. oneal says

    Learn to earn. You need to invest not just cash, but also your time. Have a clear goal, everybody deserves to be rich sa Pinas sabi nga ng founder ng COL. COL conducts free seminars about the basics on stock market investing at their office, you will see Sir Ara if you’re lucky. Have fun investing! :)

  19. Alvin says

    Good morning Sir Aya! I just want to thank you for sharing your knowledge about investing in the stock market…worth it pumunta sa inyo sa COL and to learn from you

  20. Mary says

    Study the market and the key indicators. Buy good software. So you will know when to buy and to sell. Invest on trading course.

  21. says

    Hi! We are investing in stocks under the EIP (Easy Investment Plan) which we learned from Bo Sanchez. Its gradually accumulating stocks of established companies monthly and gain forecasts are based on the average price per stock. What can you say about this? Does this belong to “WITH PLAN” or “WITHOUT PLAN”?

    Thanks

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